The first mobile banking application hit the Canadian market over ten years ago. Since then, advancements have included an e-deposit and mobile business app, a remote deposit capture feature, a banking app on the Apple Watch, and more. Apps have become a…
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In the past two weeks, I’ve had the opportunity to go to two college football games, FSU vs. Syracuse and Wisconsin vs. Notre Dame. Both were good games for someone, just not for both of my teams. Regardless, it made me think…
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For many middle market banks, IT transformation is constant. Ever since the Agile Manifesto 20 years ago, it’s like we’ve been in a race that never reaches the finish line. Banks implement agile teams. They invest to become more digital. They scale…
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In Accenture’s report, Merging M&A and cloud journeys, we highlight how technology “is a cornerstone of the long-term blueprint for any merger or acquisition.” That’s important to note since in the last year, the financial services industry has witnessed significant activity in…
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Core banking systems have sat at the heart of banks’ operations for decades. But with the banking landscape changing faster than ever – thanks to new digital innovations, regulations, and consumer expectations – many of these legacy platforms now struggle to keep…
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The pace of change in payments right now might seem overwhelming. The pandemic has supercharged the trend towards contactless, online and instant payments. Contactless payments, for instance, grew 150% from March 2019. This is just the start. In the next 10 years,…
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I’ve been thinking a lot lately about the power of the massive datasets available today, and how auto and equipment finance companies could make better use of that data. In our latest Technology Vision, I see data as being a critical component…
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In the mortgage industry, early adopters of document automation technologies were underwhelmed with the results of their investment. Today’s advanced AI solutions are changing that perception. They have little in common with early optical character recognition (OCR), which was able to classify…
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For banks, embracing purpose and the financial wellbeing of their customers is more than good PR. As Mohamed Khalil from the Commonwealth Bank of Australia explained during his talk at Sibos in 2020, it can be a powerful way to grow the…
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As cloud mastery becomes a necessity to compete in today’s financial services industry, organizations are looking to accelerate their cloud transformation journeys. We’ve found that focusing on “the Three As”—alignment, ability, and adoption—will accelerate an organization’s realization of the benefits of migrating…
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[user_description] => Saul is a Director in Accenture’s Financial Services Technology Advisory practice. With over 20 years of experience, he’s worked across Consumer & Commercial Banking, Capital Markets and Insurance industries.
Saul focuses on planning, delivery and strategic roles and projects, bringing experience with cloud, data, modern architectures and core banking. In recent years, Saul has worked on large Transformational M&A programs within Financial Services. He’s advised strategic delivery, setup, and oversight while helping to balance the Transformational agenda of these programs.
Saul brings a deep understanding of associated banking capabilities (onboarding, credit, payments, CRM, trading, treasury, finance, IT, data) along with products, channels (online, mobile, branch, call centers, RMs etc.), and operations (credit ops, branch ops, deposit ops, payments ops, policy admin etc.).
Saul is based in Charlotte, North Carolina.
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[user_description] => Emily Heffelman has over a decade of experience in the financial services industry, supporting financial institutions through complex change, new product offerings and large-scale technology transformation. In her current role as Digital Enablement lead within Digital Banking and Operations North America, she is focused on core banking transformation and partnership with key fintechs in the space.
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This thought leadership piece – and the related blogs that will explore key topics – will outline why, in the post-COVID-19 era, marketplaces will prove a crucial operating area for banks. We will ill...
This year´s reporting season has brought sustainability and environmental, social and governance (ESG)-related efforts to the forefront of international banks’ annual reports, including their future o...
There’s no two ways about it: ISO 20022 is a complex new standard for financial services firms of every description. Inside that complexity lie some operational hurdles for payments players—but also t...
This thought leadership piece looks at Instant Payments in the Middle East – how this innovative trend being implemented in the region and elsewhere is changing the payments landscape, and what banks ...
This is the first in a series of in-depth thought leadership pieces on Open Banking in the Middle East. This one explains Open Banking and outlines key considerations for the Open Banking journey. Sub...
Since the onset of COVID-19, bankers everywhere are talking about cloud. And rightly so, as the benefits of cloud are clear. The conversation itself hasn’t changed much, but what has changed is timeli...
Sibos 2020, the world’s largest financial services conference, was held virtually this year from October 5-8. The theme this time was “Driving the evolution of smart finance.” As usual, the conference...
Central bank digital currencies (CBDCs) would help advance the digitalisation of payments and the economy as a whole. Retail, wholesale and international payments using CBDC would expand choices, enab...
Even before the pandemic, digital identity—various forms of authentication and identification such as passwords, pins, facial recognition, etc.—had become an integral part of our everyday life. COVID-...
The global adoption of ISO 20022 is the most far-reaching and widely underestimated development in payments today. It’s not shocking that the transition hasn’t attracted the attention it merits. ISO 2...
